Question 1

What is BGUSD?

Accepted Answer

BGUSD is a yield-generating token launched by Bitget, backed by multiple tokenized U.S. Treasury funds to provide stable returns across market cycles.

Question 2

Why choose BGUSD?

Accepted Answer

BGUSD is a yield-generating token launched by Bitget, backed by multiple tokenized U.S. Treasury funds to provide stable returns across market cycles.,[object Object],BGUSD is backed by a basket of Real-World Assets (e.g., U.S. Treasury), maintaining value stability through high-quality, low-risk, and highly liquid traditional financial assets.,[object Object],Hold BGUSD to enjoy over 4% APR, with profits distributed directly to your Bitget spot account. Watch your assets grow effortlessly!,[object Object],Enjoy zero transaction fees when subscribing to BGUSD via the On-chain Elite page in Bitget Earn.,[object Object],BGUSD can be seamlessly used across all Bitget features, including Crypto Loans, futures margin, Launchpool, and PoolX.,[object Object],Leveraging the product capabilities of top financial institutions, BGUSD combines Bitget's trading expertise with financial innovation.

Question 3

Can BGUSD be withdrawn?

Accepted Answer

BGUSD is an exchange-based token, not a blockchain-based token. As it is not minted on any blockchain network, deposits and withdrawals are not supported.

Question 4

What are the differences between APR and APY?

Accepted Answer

The annual percentage rate (APR) is based only on simple interest and does not take into account the compounding of interest.,The annual percentage yield (APY) takes compound interest into account, where the interest generated in each term is reinvested in the next.,For a product with compound interest, profits that have not been redeemed will continue to accrue interest, and thus the APY reflects the yield more accurately.

Question 5

What are the benefits of holding BGUSD?

Accepted Answer

BGUSD can be used in the following ways:,• Trading margin: BGUSD can be used as margin for USDT-margined futures.,• Collateral: BGUSD can be used as collateral to borrow other tokens.,• Daily profit: BGUSD holders will earn a daily profit based on their APR.,• Launchpool and PoolX perks: Holding BGUSD gives you access to Launchpool and PoolX, allowing you to share in Bitget ecosystem benefits.

Question 6

Where does the profit come from?

Accepted Answer

In order to provide daily profit to BGUSD holders, the platform will allocate its own funds to partner's yield-generating products. Interest income generated will be minted as BGUSD and distributed as incentives to holders. Bitget does not involve in the custody of user funds for investment in third-party products, and only processes stablecoin subscriptions and BGUSD incentive distributions.

Question 7

What are the risks associated with holding BGUSD?

Accepted Answer

• Fee adjustments: Subscription and redemption fees for BGUSD may change. Bitget reserves the right to adjust these fees. All applicable fees will be displayed on the confirmation page before you confirm the transaction. No redemption fee applies if Bitget exercises its repurchase rights.,• Profit change: BGUSD ROI may fluctuate based on changes to the ROI of underlying assets, which can be affected by macroeconomic conditions. In such cases, the ROI of BGUSD holders may rise or fall.,• Liquidity risk: Due to non-24/7 banking hours and inefficiencies in traditional finance, real-time liquidity may be limited. Daily redemption quotas depend on the available liquidity of the partner institution and are reflected in the redemption pop-up.,• Impact of legal and regulatory changes: The use, holding, redemption, and potential profits of BGUSD may be affected by changes in global laws, regulatory policies, or enforcement actions — particularly as the compliance landscape continues to evolve in areas such as asset tokenization and digital asset yield products.

Question 8

How is my daily profit calculated?

Accepted Answer

Daily profit = minimum daily holdings × real-time APY ÷ 365,How is the "minimum daily holdings" calculated?,Your BGUSD balance is automatically recorded every hour. The minimum balance across these snapshots is used to calculate your profit.,Example: Emily deposited 1000 BGUSD at 8:00 AM on April 10 and has held it ever since.,• Profit for April 10: The system checked snapshots from April 10, 1:00 AM to April 11, 12:00 AM and found zero BGUSD balance in one of the hourly snapshot. In this case, the minimum daily holdings is zero, which means the profit is zero.,• The system reviewed snapshots taken from April 11, 1:00 AM to April 12, 12:00 AM, and confirmed that the balance remained ≥ 1000 BGUSD across all snapshots. In this case, the minimum daily holding of 1000 BGUSD is used as the basis for profit calculation.

Question 9

Is the APY shown on the product page guaranteed?

Accepted Answer

The APYs shown on the product page represent historical APYs and do not guarantee future results.

Question 10

Will the value of BGUSD grow over time?

Accepted Answer

No. The daily profit generated by BGUSD is distributed to the user’s spot account in BGUSD.

Question 11

Can I receive profit if I buy BGUSD from the market or obtain it through a transfer?

Accepted Answer

Yes. BGUSD that is transferred or purchased will also be included in the calculation based on the real-time APY and the minimum BGUSD balance recorded in the hourly snapshots of the user’s account for that day.

Question 12

What is the conversion rate between stablecoins and BGUSD? What are the subscription and redemption fees?

Accepted Answer

The exchange rate between BGUSD and USDC is 1:1, and the exchange rate between BGUSD and USDT is based on the real-time spot market price of USDT/USDC. The subscription fee is 0.1%, and the redemption fee is 0.1%. Bitget reserves the right to adjust these fees.

Question 13

What stablecoins does BGUSD support?

Accepted Answer

Currently, USDT and USDC can be used to subscribe to BGUSD. To subscribe with USDT, go to the Convert page to exchange USDT for USDC before subscribing.

Question 14

Why might an attempt to convert stablecoins into BGUSD fail?

Accepted Answer

If you have reached the maximum BGUSD holding limit, you cannot purchase more.

Question 15

Why haven't I received the profit?

Accepted Answer

Your minimum BGUSD balance on the calculation date will be used to determine your eligible balance and profit. If your BGUSD holdings drop to zero during any of the 24 hourly snapshots, it may affect your eligibility.,Here are some additional possible reasons:,• You may not earn profits on the first day of your BGUSD subscription or the last day you hold BGUSD.,• Express or standard redemptions will affect your next-day profit calculation.

Question 16

What is the maximum subscription/redemption limit for BGUSD?

Accepted Answer

VIP users have no cap on subscription quota, while non-VIP users are restricted to 25,000 USDC or its equivalent in USDT. The daily quota for BGUSD express redemption is limited. See quota details here:,[object Object],There is a daily redemption limit based on the available liquidity from the partner institution, as shown in the redemption pop-up window.,Alternatively, you can select Standard Redemption. During business days, redemptions are typically credited on T+1 day. If the redemption is made over the weekend, it is typically credited on T+3 days, depending on the partner institution's processing schedule.

Question 17

Can I partially redeem BGUSD? Are there any limits?

Accepted Answer

You can choose to partially or fully redeem your BGUSD. Due to liquidity limits with the partner institution, the daily quota for express redemption depends on real-time liquidity, as shown on the redemption pop-up.

Question 18

When will I receive my USDC after express redemption?

Accepted Answer

If platform liquidity is sufficient, you will receive the redeemed USDC within one minute after redemption.

Question 19

If I subscribe BGUSD with USDT, can I choose to redeem in USDT?

Accepted Answer

No, only USDC redemption is currently supported.

Question 20

What if the daily redeemable amount is zero?

Accepted Answer

The daily redeemable amount will be refreshed at 12:00 AM (UTC+8) every day. Redemption is recommended after the reset.

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